[rbeast]

I think SDR is a cool cat

[rbeast]

So get a credit to replace toilet bowls, paint & replace carpets & drapes, if necessary, & have ducts blown out. Yard was maintained.

Heavy smokers had occupied my home one year+ prior to the time I bought it. The smell of cigarettes hit me in the face when the realtor opened the front door.

I got a great deal on it – one of the best decisions I’ve made in my life! Neighborhood & schools are deal-breakers for me – not poor upkeep.

[rbeast]

So get a credit to replace toilet bowls, paint & replace carpets & drapes, if necessary, & have ducts blown out. Yard was maintained.

Heavy smokers had occupied my home one year+ prior to the time I bought it. The smell of cigarettes hit me in the face when the realtor opened the front door.

I got a great deal on it – one of the best decisions I’ve made in my life! Neighborhood & schools are deal-breakers for me – not poor upkeep.

[rbeast]

So get a credit to replace toilet bowls, paint & replace carpets & drapes, if necessary, & have ducts blown out. Yard was maintained.

Heavy smokers had occupied my home one year+ prior to the time I bought it. The smell of cigarettes hit me in the face when the realtor opened the front door.

I got a great deal on it – one of the best decisions I’ve made in my life! Neighborhood & schools are deal-breakers for me – not poor upkeep.

[rbeast]

So get a credit to replace toilet bowls, paint & replace carpets & drapes, if necessary, & have ducts blown out. Yard was maintained.

Heavy smokers had occupied my home one year+ prior to the time I bought it. The smell of cigarettes hit me in the face when the realtor opened the front door.

I got a great deal on it – one of the best decisions I’ve made in my life! Neighborhood & schools are deal-breakers for me – not poor upkeep.

[rbeast]

So get a credit to replace toilet bowls, paint & replace carpets & drapes, if necessary, & have ducts blown out. Yard was maintained.

Heavy smokers had occupied my home one year+ prior to the time I bought it. The smell of cigarettes hit me in the face when the realtor opened the front door.

I got a great deal on it – one of the best decisions I’ve made in my life! Neighborhood & schools are deal-breakers for me – not poor upkeep.

[rbeast]

Yes, they were most competitive compared to 4-5 Costo Lending Tree people (cash card isn’t worth it); Citimortgage (prior lender); MissionFCU & other local mortgage brokers.

HUD closing costs were not discrepant from GFE which is not always the case – several years ago I got burned by final closing costs!

SDCCU will require you to open $400. checking acct. ($350. non-refundable for home inspection; $50. for acct) –
non-issue since I closed with them.

[rbeast]

Yes, they were most competitive compared to 4-5 Costo Lending Tree people (cash card isn’t worth it); Citimortgage (prior lender); MissionFCU & other local mortgage brokers.

HUD closing costs were not discrepant from GFE which is not always the case – several years ago I got burned by final closing costs!

SDCCU will require you to open $400. checking acct. ($350. non-refundable for home inspection; $50. for acct) –
non-issue since I closed with them.

[rbeast]

Yes, they were most competitive compared to 4-5 Costo Lending Tree people (cash card isn’t worth it); Citimortgage (prior lender); MissionFCU & other local mortgage brokers.

HUD closing costs were not discrepant from GFE which is not always the case – several years ago I got burned by final closing costs!

SDCCU will require you to open $400. checking acct. ($350. non-refundable for home inspection; $50. for acct) –
non-issue since I closed with them.

[rbeast]

Yes, they were most competitive compared to 4-5 Costo Lending Tree people (cash card isn’t worth it); Citimortgage (prior lender); MissionFCU & other local mortgage brokers.

HUD closing costs were not discrepant from GFE which is not always the case – several years ago I got burned by final closing costs!

SDCCU will require you to open $400. checking acct. ($350. non-refundable for home inspection; $50. for acct) –
non-issue since I closed with them.

[rbeast]

Yes, they were most competitive compared to 4-5 Costo Lending Tree people (cash card isn’t worth it); Citimortgage (prior lender); MissionFCU & other local mortgage brokers.

HUD closing costs were not discrepant from GFE which is not always the case – several years ago I got burned by final closing costs!

SDCCU will require you to open $400. checking acct. ($350. non-refundable for home inspection; $50. for acct) –
non-issue since I closed with them.

[rbeast]

I sound like a broken record, but when searching for re-fi home loan rates in Jan. (had gone thru Costco Lending Tree & multiple other brokers), with +++ closing costs & slippery eel mortgage brokers, Rich Toscano (on Pigg site) recommended his associate, John Simon – a mortgage broker to help sort thru mess.

Emailed John & he kindly referred me to SDCCU (coulda pulled down major buku bucks w/ self-reference or other cohort!!). Told me they were best for $$$ (ie., low closing costs; reputable; timely) – he was exactamudno correct!!

Thanks again, Rich & John!!!

[rbeast]

I sound like a broken record, but when searching for re-fi home loan rates in Jan. (had gone thru Costco Lending Tree & multiple other brokers), with +++ closing costs & slippery eel mortgage brokers, Rich Toscano (on Pigg site) recommended his associate, John Simon – a mortgage broker to help sort thru mess.

Emailed John & he kindly referred me to SDCCU (coulda pulled down major buku bucks w/ self-reference or other cohort!!). Told me they were best for $$$ (ie., low closing costs; reputable; timely) – he was exactamudno correct!!

Thanks again, Rich & John!!!

[rbeast]

I sound like a broken record, but when searching for re-fi home loan rates in Jan. (had gone thru Costco Lending Tree & multiple other brokers), with +++ closing costs & slippery eel mortgage brokers, Rich Toscano (on Pigg site) recommended his associate, John Simon – a mortgage broker to help sort thru mess.

Emailed John & he kindly referred me to SDCCU (coulda pulled down major buku bucks w/ self-reference or other cohort!!). Told me they were best for $$$ (ie., low closing costs; reputable; timely) – he was exactamudno correct!!

Thanks again, Rich & John!!!

[rbeast]

I sound like a broken record, but when searching for re-fi home loan rates in Jan. (had gone thru Costco Lending Tree & multiple other brokers), with +++ closing costs & slippery eel mortgage brokers, Rich Toscano (on Pigg site) recommended his associate, John Simon – a mortgage broker to help sort thru mess.

Emailed John & he kindly referred me to SDCCU (coulda pulled down major buku bucks w/ self-reference or other cohort!!). Told me they were best for $$$ (ie., low closing costs; reputable; timely) – he was exactamudno correct!!

Thanks again, Rich & John!!!

[Author]

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